Why Work with a Local Texas Real Estate Expert?

Even if you’ve bought or sold property before, each transaction is different. As a local real estate expert specializing in the  Texas Hill Country real estate market, I’ll help you navigate the process efficiently — from financial preparation to closing day — while avoiding common pitfalls.

 

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Step 1: Prepare Your Finances Before House Hunting

Getting your finances in order is key to a smooth home buying experience. Here’s how to start:

• Check Your Credit Score: Request your free credit report from Equifax, Experian, and TransUnion. Correct any inaccuracies that could affect your mortgage approval.

• Determine What You Can Afford: Use online mortgage calculators to estimate an affordable monthly mortgage payment. Don’t forget to account for:

  • Down payment

  • Closing costs

  • Inspection, appraisal, and legal fees

  • Moving costs or home improvements

Pro tip: You don’t always need 20% down. Ask your lender about  low or no down payment home loan options.

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Step 2: Get Pre-Approved for a Mortgage

Pre-approval strengthens your buying position and helps you shop confidently:

• Pre-Qualification: A basic estimate of what you  might be able to borrow (not verified or guaranteed).

• Pre-Approval: A lender-reviewed, verified letter confirming your approved loan amount.

Having a  mortgage pre-approval letter increases your credibility with sellers and helps you compete in a competitive real estate market. It also narrows your home search to properties within your budget.

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Step 3: Define Your Home Search Criteria

Make a list of your needs and wants. Consider:

• Number of bedrooms and bathrooms

• Ideal square footage

• Preferred kitchen layout

• Storage needs (closets, pantry, garage)

• Lot size for kids, pets, or outdoor activities

• Proximity to schools, work, or recreation

Knowing your  home must-haves ahead of time will save time and help focus your search.

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Step 4: Schedule a Home Inspection Before Closing

Once you’ve found the right home and your offer is accepted, schedule a  professional home inspection. This step ensures that the property is structurally sound and uncovers any hidden issues before finalizing the sale.

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Step 5: Understand Your Closing Costs

The closing process includes several moving parts. Your lender will provide a closing disclosure that outlines all fees, including:

• Down payment

• Title and escrow fees

• Appraisal and inspection fees

• Attorney costs (if required)

• Prepaid taxes or homeowners insurance

• Discount points (if you choose to buy down your rate)

Pro tip: Plan your closing date carefully. It should align with your current lease, the seller’s timeline, and any logistical considerations.

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Your Real Estate Partner for Life

Every client’s journey is different. Whether you're  buying your first home,  upsizing,  downsizing, or  selling a property in the Texas Hill Country, I’m here to guide you with transparency, dedication, and decades of local market expertise.

My goal is simple:  your complete satisfaction.

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Let’s Get Started Today

Ready to begin your home buying or selling journey in the Texas Hill Country?
Contact me anytime — I’d love to help you make your next move a successful one.

 

📞 512-423-5901
📧 DonnaScoggins@Icloud.com
📍 Serving Williamson County to Goldthwaite and surrounding areas